Business Details
23 Years
experience
Your Trusted Mortgage Partner in Flagler Beach
We are a trusted mortgage provider serving Flagler Beach, Florida since 2003. Our team specializes in analyzing individual financial goals to tailor mortgage solutions that meet unique needs. With access to a comprehensive network of mortgage sources, we prioritize finding loans with optimal rates, terms, and costs for our clients. Throughout the lending process, we maintain transparency through regular updates and progress reports, ensuring clients remain informed. Our commitment to personalized service and expertise in residential lending has established us as a reliable partner in achieving homeownership and financial planning objectives. 
Services
Conventional Loans
FHA Loans
VA Loans
USDA Loans
Jumbo Loans
Reverse Mortgage Loans
DSCR Loans
Construction Loans
Non-QM Loans
Bank Statement Loans
Details
- Year established: 2003
Highlights and features
- We have served Flagler Beach since 2003 with localized expertise
- We offer access to a full range of mortgage sources
- We provide regular loan updates and progress reports
- We tailor mortgage solutions to meet individual financial goals
- Our team has extensive experience in residential lending
What people say
Smooth mortgage process
Knowledgeable and patient
Excellent service
Responsive and proactive
Highly recommended
Services
Conventional Loans
Conventional fixed-rate loans offer stable interest rates and predictable monthly payments. Available in 10-, 15-, 30-, and 40-year terms, these loans suit borrowers seeking long-term financial planning with flexible down payment options. Our team helps clients navigate qualification requirements and secure competitive rates.
FHA Loans
FHA loans provide accessible homeownership opportunities for low-to-moderate-income borrowers and first-time buyers. With lower credit score requirements and minimal down payments, these government-backed loans reduce barriers to entry while maintaining affordability and flexibility for qualifying applicants.
VA Loans
VA loans offer exclusive benefits for eligible veterans and active-duty personnel, including zero down payments and reduced closing costs. Backed by the U.S. Department of Veterans Affairs, these loans provide favorable terms and financial advantages to honor military service members' housing needs.
USDA Loans
USDA loans promote homeownership in eligible rural and suburban areas with zero down payment options. Designed for low-to-moderate-income families, these government-backed loans combine competitive rates with flexible credit criteria to expand access to affordable housing.
Reverse Mortgage Loans
Reverse mortgages provide financial flexibility for homeowners aged 62+ by converting home equity into tax-free income. Available as lump sums or monthly payments, these loans enable seniors to maintain residency while accessing funds for retirement expenses or debt management.
People
Scott Mulligan
Mortgage Consultant
With over 15 years of experience, Scott specializes in personalized mortgage solutions. He prioritizes client education and transparent communication, guiding borrowers through complex financing processes with tailored strategies and responsive support.
Kristen Buccini
Loan Officer
Kristen combines technical expertise with client-focused service, offering clear explanations of loan options. Her proactive approach ensures timely responses and streamlined transactions for first-time buyers and experienced homeowners alike.
Rick Vaders
Senior Loan Officer
Rick delivers customized mortgage plans with a focus on affordability and long-term financial health. His industry knowledge and dedication to client satisfaction have earned consistent recognition for exceptional service quality.
Jackie Harmon
Specialist in Self-Employed Mortgages
Jackie excels in crafting solutions for non-traditional income scenarios. Her expertise in bank statement loans and alternative documentation helps self-employed professionals achieve homeownership with confidence and clarity.
Teresa
Loan Processing Manager
Teresa oversees efficient loan execution, ensuring accuracy and compliance throughout the closing process. Her attention to detail and coordination skills contribute to seamless transactions for clients and partners.
Questions
What loan programs do you offer for first-time homebuyers?
We specialize in FHA loans, down payment assistance programs, and conventional loans with low down payment options tailored for first-time buyers.
Can I refinance my current mortgage with you?
Yes, we offer rate-and-term refinancing and cash-out options to help homeowners reduce payments, access equity, or adjust loan terms.
Do you provide mortgages for self-employed individuals?
Absolutely. Our bank statement loans and non-QM programs cater to self-employed borrowers with flexible income verification requirements.
What areas do you serve?
While based in Flagler Beach, FL, we provide mortgage services to clients across Florida and select national markets.
How can I check my loan application status?
Contact our team directly via phone or email for personalized updates, or use our secure online portal for real-time tracking.
Are there closing cost assistance options available?
We offer down payment assistance programs and lender credits to qualified borrowers to reduce upfront costs.